Frequently Asked Questions (FAQ)

Banka OTP, 3D secure

3D Secure is a modern security feature service for online transactions facilitated by Visa International. A One Time Password (OTP) adds protection against unauthorized use of your debit/credit card when you make payments online.

This service is available only on 3D Secure compliant merchant sites.

One-Time Password (OTP) is a numeric code that is valid only for one transaction when you purchase online. The OTP will be sent to your mobile number as registered with OTP Bank Albania. It will expire in 10 minutes.

Our aim is to balance convenience and security, so we are adding this additional level of security in certain cases in order to keep your account safe. We will not ask for it every time.

You do not need to register or request for OTP. OTP will be sent automatically to your registered mobile number in the Bank system after you have filled in all your credit/debit card details and proceed with the   purchase online. However, you will need to have a valid mobile number updated with OTP Bank Albania.

OTP can be sent to both local and international phone numbers already registered in the Bank system.

Yes, we will send the OTP to your mobile phone number already registered in the Bank system. When you are overseas and using an overseas mobile service provider, please make sure your mobile phone is able to receive international SMS which also means your mobile phone can receive the OTP.

No. This OTP service is provided to you free by OTP Bank Albania for your enhanced security.

No.  Additional authentication process througt One Time Password OTP is required only for merchant websites that support the 3D Secure authentication protocols.

The merchant website will display the logo of 3DS card schemes such as VISA’s Verified byVISA (VbV).

When you make an online purchase using your debit / credit card via a 3DS enabled merchant, a pop-up message (OTP screen) will appear on your screen asking you to enter the OTP. At the same time, a OTP will be sent to your mobile number which is registered with OTP Bank Albania via SMS. You need to key in the OTP as per the SMS into the OTP screen and click the “Submit” button.

You will be able to purchase online from merchant websites that do not support 3DS. If you need to make a purchase on 3DS enabled websites, you need to register on mobile number in our nearest Branch.

If the OTP is entered incorrectly, you will be prompted to enter the correct OTP. If you enter the OTP incorrectly 3 times then the transaction cannot be completed. In such case, you will be required to re-start the purchase transaction at the merchant site.

No. The OTP can be used only for the specific transaction for which it was requested. Once the OTP has been used to complete a transaction, the same OTP cannot be used to complete another transaction.

If you have not received the OTP you could request for the OTP to be resent by clicking the “Resend OTP” button on the screen. However, the sending of OTP may be delayed due to circumstances beyond OTP Bank Albania control.

OTP will replace the PIN which you created for 3D Secure online transaction. An OTP will be sent instead to your registered mobile number which has been registered in the Bank system to complete the online transaction.

The OTP is valid for 10 minutes only.

If you enter an expired OTP to complete the transaction, a new OTP will be automatically generated and sent to you.

Yes.  The OTP will be sent by SMS to your supplementary cardholder mobile phone number as soon as it is already registered in our Bank system.

If you have received an OTP and neither you nor your supplimentary cardholder has initiated the online  transaction at the merchant and for the amount as specified in the OTP message, please call our Quality Service Center immediately at 0800 48 48 , +355 (0)68 40 12121 or +355 (0)69 40 12121.